Dwelling Policy (DP)Question 264 of 474
A detached garage on the insured premises burns to the ground. A dwelling policy pays the loss under:
a.Coverage B, which insures other structures on site
b.Coverage C, since a garage stores personal property
c.Coverage A, because a garage is part of the dwelling
d.Coverage D, which restores the owner's rental income
Explanation
Structures on the described premises that are separated from the dwelling by clear space are insured under the other structures coverage, and a detached garage is the standard example. The dwelling coverage would apply only if the garage were attached, and the fair rental value coverage responds to lost rent, not to a burned building.
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Related questions on this topic
- Why would a producer recommend a special form dwelling policy over a basic form?
- After an unexplained loss to a dwelling written on an open-perils form, the burden of proof:
- Under a dwelling policy, Coverage A pays for damage to:
- A structure on the described premises rented to someone who is not a tenant of the dwelling is:
- How is the personal property limit set on a dwelling policy?
- Which item would NOT be covered as personal property under a dwelling policy?
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